also see :

Free Open Source Software

Cyclos

links: http://project.cyclos.org/ ; http://sourceforge.net/projects/cyclos/
for use in: complementary currency systems like LETS, Barter, Time bank, C3 (consumer commerce circuit) and micro finance systems like VLC (combination of micro finance with local currency). Cyclos is a transactional (on-line banking) system with several community functionalities and extended modules.
license : GPL (open source) license
used by : cyclos is used all over the world, some examples are http://www.circuitocompras.com.br, http://www.regiogeld.de or http://www.puntotransacciones.com (a more complete list can be found here).

links: https://github.com/FellowTraveler/Open-Transactions/wiki ; https://github.com/FellowTraveler/Open-Transactions
Description: "It’s a solid, easy-to-use, FINANCIAL CRYPTO and DIGITAL CASH LIBRARY. Including an operational API, SERVER and CLIENT. Transaction processor featuring Untraceable Digital Cash, Anonymous Numbered Accounts, Triple-Signed Receipts, Basket Currencies, and Signed XML Contracts. Also supports cheques, invoices, payment plans, markets with trades, and other instruments... it's like PGP for Money.... Uses OpenSSL and Lucre blinded tokens. ---Mac OS X, Linux, FreeBSD, Android, Windows---Native APIs for Java, Ruby, Python, PHP, Perl, C, C++, Objective-C, C#, Tcl, and LISP"
license : GNU Affero General Public (open source) License

links: http://code.ripplepay.com/ ; http://ripple.sourceforge.net/ ; http://sourceforge.net/projects/ripple ; http://ripplep2p.com/wiki/
Description : a money system based on 'friendly obligations'.
license : The software that runs ripplepay.com is available under the GPL open-source license.
used by:
- Ripple Pay (https://ripplepay.com/) the original implementation by Ryan Fugger (see user's guide)
- Shire Hours - Ripplepay clone operated by John Bilyeu
- Multiswap
see also: Ripple Implementations
- the Circular Multilateral Barter code that powers Evgeni Pandurski's Multiswap site
- Rivulet John Paul Lewicke's Ripple server and AJAX front-end
- Rain Droplet - Open decentralized community credit service operated by Daniel Holt, based on Ripplepay
- Ripplexchange - Daniel Holt's Ripple marketplace
- Ripple Distributed Protocol - Designs for a system of distributed independent Ripple servers
- Ripplebase - Ryan Fugger's partially complete multi-client Ripple transaction server (see also documentation)

link : http://www.opensourcecurrency.org/2008/11/oscurrency-demo-site-and-github.html
Description : "OSCurrency is complementary currency system derived from Insoshi, a Ruby on Rails open source social network project"
built over: http://portal.insoshi.com/
license: GNU AFFERO GENERAL PUBLIC LICENSE Version 3
used by:
documentation: http://wiki.github.com/austintimeexchange/oscurrency

link : http://drupal.org/project/mutual_credit
built with : Drupal
Description : "An all-embracing and flexible package which includes a mutual credit engine, transaction forms and displays, including several views and blocks. It can be used as a digital back end for paper money projects, or to run an entire LETS or Timebank. With a little tweaking, it can manage currencies conforming to a wide range of designs."
used by :
- http://communityforge.net/ offer a hosted version "For community groups and social clubs with no IT budget, the basic package allows hundreds of users, full control over pages and menu items. Unlimited exchanges, membership expiry, offline member support. Export members and exchange history to csv format. Other community building features include calendar, image gallery, and news feed. "
- apparently Timebanks USA are using it for development of "Community Weaver II" (see hosted offering of existing version here)
- Community Exchange System working on migrating to it
license :

link : http://www.openbankproject.com/
"We aim to create a RESTful API so that banks and their customers can securely and cost effectively adopt Web 2.0, Open Source and 3rd party tools, services and strategies. We want to promote greater openness to financial data."
license :

link : http://wadobo.com/trac/timebank/
Description : "Time Bank is a web service for managing a time bank, in which users offer their time doing service in exchange for services provided by others users for the same amount of time."
used by
- Ecolocal is an association in Seville, Spain
- R-ciclo is an association in Granada, Spain
- SUGUS GNU/Linux association - Linux user group of Seville University.
- Gelves is a an association in Gelves, Seville, Spain
license :

link : http://sourceforge.net/projects/mifos/ http://mifos.org/
Description : "Mifos is an MIS purpose-built for the microfinance industry. It provides MFIs the key functionality to better serve the poor: client management, loans & savings portfolio tracking, reporting, & social performance measurement. mifos.org has more info"
used by :
- With 21 existing customers with another 19 in the pipeline (as of Mar 2nd 2011) Mifos will soon be servicing a total of over a million clients

Agile Banking Google Group "Lets change the world of banking and finance. This group is not for interesting theory, but about practical steps we can take to reinvent banking"
OSCurrency Google Group "OSCurrency is complementary currency system derived from Insoshi, a Ruby on Rails open source social network project"
Ripple Users Google Group "Discussions about the Ripple decentralized monetary system project at http://ripple-project.org" (lots of related discussion happens on the list too)
ECON-LETS "econ-lets is intended for discussion of the economic, social and telematics issues surrounding the development of LETS (Local Exchange Trading Systems)"